This Privacy Policy explains how Convivia One approaches privacy in connection with the Live-Wiser Platform. Because our direct service model is designed to collect no personal information, much of this policy is an affirmative statement of what we do not do, alongside an honest explanation of the limited role that third-party technology providers may play. Please read this policy carefully.

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1. Our Privacy Philosophy: Privacy by Design

Privacy is not a compliance checkbox for Convivia One — it is the foundation of how Live-Wiser is built. We operate on the principle that a financial wellness platform should empower users without knowing who they are.

 

Live-Wiser is a pull service. You choose what to access, when to access it, and how to use it. We do not push content to you, profile your behavior, analyze your activity, or build any record of your use. Our systems are engineered to function without needing to know anything about you personally.

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2. What We Do Not Collect

In the direct provision of the Live-Wiser Platform, Convivia One does not collect:

• Your name, email address, or any contact information

• Your financial data, account details, or transaction history

• Your usage history, session logs, or behavioral patterns

• Your device identifiers, location data, or IP address

• Cookies or tracking technologies deployed by Convivia One

• Any demographic, psychographic, or inferred personal characteristics

 

We do not maintain user profiles. We do not build databases of user behavior. We do not analyze, aggregate, or monetize information about how the Platform is used by any individual.

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3. What We Do Not Do

Convivia One does not sell, rent, license, trade, or otherwise transfer any user data to any third party — because we do not possess it.

 

We do not:

• Sell personal data to data brokers, advertisers, or any third party

• Use your access of the Platform to serve you targeted advertising

• Share user information with Client organizations beyond what is minimally necessary for credential administration

• Retain session data, logs, or records of your Platform activity within our direct systems

• Use third-party analytics platforms that track individual user behavior on our behalf

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4. Credentials and Account Access

To access the Platform, Authorized Users are issued unique login credentials. These credentials are administered for authentication purposes only. We handle credential information with the minimum data necessary to verify access and do not use it to build usage profiles or link activity to identifiable individuals.

 

Credential data is held securely and is not shared, sold, or disclosed except where strictly required to deliver authentication services or comply with a legal obligation.

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5. Third-Party Technology Providers and Partners

Delivering a secure, reliable Platform requires working with a limited number of third-party infrastructure and technology providers (for example, hosting services or security vendors). By the inherent nature of internet technology, these providers may have incidental, connection-level exposure to technical data such as IP addresses or access timestamps as part of routing and security functions.

 

We are transparent about this reality and address it as follows:

• We select providers whose privacy commitments are consistent with our mission

• We contractually prohibit providers from using any Platform-related data for their own commercial purposes

• We limit provider access to only what is technically necessary to deliver the service

• We do not authorize any provider to collect, retain, or monetize personal user information

 

Third-party providers operate under their own privacy policies. We encourage you to review those policies. Where we have identified that a provider’s practices are inconsistent with our privacy mission, we will seek alternative solutions.

 

Partners of Convivia One who may be referenced on or accessible through the Platform are independent entities. Any information you choose to share directly with a partner is governed by that partner’s own privacy practices, not this policy.

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6. Cookies and Tracking Technologies

Convivia One does not deploy cookies, pixel trackers, fingerprinting technologies, or any other tracking mechanisms on the Live-Wiser Platform for our own purposes.

 

To the extent that any session or authentication mechanism requires a temporary technical token to maintain your logged-in state, such tokens are functional only, are not used for tracking or profiling, and are not retained beyond your session.

 

7. Children’s Privacy

The Platform is not directed to individuals under the age of 18. Because we do not collect personal information from any user, we do not knowingly collect information from minors. If you have reason to believe a minor has accessed the Platform, please contact us at privacy@convivia.one.

 

8. Security

Although we do not collect or retain personal data within our direct systems, we apply robust security practices to protect the integrity of the Platform and the confidentiality of login credentials. These include encryption of data in transit, access controls, and regular security reviews.

 

No digital system can guarantee absolute security. We are committed to promptly addressing any security incident and to transparency with affected users where required by law.

 

9. Your Rights

Because Convivia One does not hold personal data about you in our direct systems, most traditional data subject rights (access, correction, deletion, portability) are not applicable to our direct provision of the Platform — there is no personal record to access, correct, delete, or export.

 

If you have concerns about information that may be held by a third-party provider in connection with the Platform, or if you wish to confirm the scope of our data practices, please contact us at privacy@convivia.one and we will respond promptly and transparently.

 

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the effective date at the top of this document and post notice on the Platform. Our commitment to collecting no personal user data is a core principle of Convivia One and will not be changed without prominent advance notice and your opportunity to discontinue use.

 

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, we welcome your inquiry:

 

Convivia One – Privacy

Email: info@convivia.one

Website: www.live-wiser.com

 

We are committed to responding to all privacy inquiries promptly and to maintaining the trust you place in us by using the Live-Wiser Platform.